put it on the government's books. this is part of a never balancing the budget act in washington, d.c. freddie and fan any are run by one giant housing program, when their overseers, federal housing finance agency suing banks to put more loans back on their books away from fannie and freddie. this could reverse the trend. lori: like a kitchen sink proposal? >> could be. that is great question. we have 3.7 million homes in so-called shadow inventory, mortgages heading to foreclosure. this on the heels of the administration's failed attempt to get loan modifications meaning principle write-downs right? let's do more refinancing of negative equity underwater mortgages that are basically subprime. a lot of them are subprime. lori: agree, get government out but not until we get the problem pushed aside with underwater mortgages still plaguing economy. >> nearly four million homes, wow, that is lot. could they end up in fannie and freddie, remains to be seen. congress still has to weigh in. they may not go for it. tracy: le